County FMR · HUD FY2026

Harding County Fair Market Rent

HUD's FY2026 Fair Market Rent for Harding County, NM - 11% below the US average.

$853
1-bedroom FMR
$1,040
2-bedroom FMR
+11.6%
YoY change
-11%
vs US avg

The verdict

Harding is the 16th most expensive of 33 counties in New Mexico by 2-bedroom FMR; nationally it ranks #1,510 most expensive of 3,145 HUD counties; rent here has climbed 11.6% since FY 2025, a sharp move relative to most counties.

#1,510
most expensive of 3,145 US counties (2BR)
#16
most expensive of 33 in New Mexico (2BR)
-8%
vs the state average
$34,120
income to afford it (30% rule)

Software Developers spend the smallest share of income on rent here (8.5%), while Fast Food and Counter Workers spend the most (35.7%); nearby New Mexico counties range as much as 57% apart in 1-bedroom FMR, so the county line itself can matter for renters comparing options.

FY 2026 HUD Fair Market Rent for Harding County, NM. Verify with HUD →

The Fair Market Rent for a 1-bedroom apartment in Harding County, New Mexico is $853 per month in FY 2026, according to the U.S. Department of Housing and Urban Development (HUD). A 2-bedroom costs $1,040/mo and a studio is $773/mo. This is 11% lower than the national average of $959 and 8% below the New Mexico average of $927.

Rent increased11.6% from FY 2025 ($764), outpacing inflation. Under the 30% rule, affordability starts near $34,120/year for a 1-bedroom.

Observed renter burden: 13.1% of the 61 renter households counted by ACS paid at least 30% of income in gross rent. This ACS 2023 household measure is distinct from HUD's FY2026 Fair Market Rent benchmark above.

FY 2026 HUD Fair Market Rents in New Mexico. Population: 671.

FMR filing desk

Area HARDING·COUNTY·NM·NM

Harding County, NM: $853/mo 1BR · #1510 of 3145 counties (2BR) · FY2026

  • FMR-AREA NM
  • 1BR-FMR $853
  • 2BR-FMR $1,040
  • RANK-MID #1,510
  • YOY-SURGE +11.6%
  • VSUS-BELOW -11%
  • VS-ST-NEAR -8% NM
  • INC-MID 25%
  • POP-SMALL 671
  • PHOTO-NEAR Bernalillo County
  • VOUCH-90-110 $768–$938
  • FY-2026 FY2026

Photo-finish peer: Bernalillo ($332 1BR gap)

Read with: How Fair Market Rent works

Fair Market Rents (2026)

Studio
State avg: $828 · US avg: $893
$773/mo
↑ 14.0% YoY -7% vs state -13% vs US
1 Bedroom
State avg: $927 · US avg: $959
$853/mo
↑ 11.6% YoY -8% vs state -11% vs US
2 Bedroom
State avg: $1,129 · US avg: $1,175
$1,040/mo
↑ 11.5% YoY -8% vs state -11% vs US
3 Bedroom
State avg: $1,496 · US avg: $1,525
$1,424/mo
↑ 11.9% YoY -5% vs state -7% vs US
4 Bedroom
State avg: $1,758 · US avg: $1,756
$1,677/mo
↑ 8.3% YoY -5% vs state -4% vs US

Year-over-Year Comparison

Bedrooms FY 2025 FY 2026 Change
Studio $678
$773
+$95 (+14.0%)
1 Bedroom $764
$853
+$89 (+11.6%)
2 Bedroom $933
$1,040
+$107 (+11.5%)
3 Bedroom $1,273
$1,424
+$151 (+11.9%)
4 Bedroom $1,549
$1,677
+$128 (+8.3%)

Rent Burden Analysis

How much of household income goes to rent in Harding County. The 30% threshold indicates cost burden.

Studio
22.5%
Affordable
Need $30,920/yr for 30% rule
1 Bedroom
24.8%
Affordable
Need $34,120/yr for 30% rule
2 Bedroom
30.3%
Burdened
Need $41,600/yr for 30% rule
3 Bedroom
41.4%
Burdened
Need $56,960/yr for 30% rule
4 Bedroom
48.8%
Burdened
Need $67,080/yr for 30% rule
How we calculate this

Rent burden = (FMR × 12) ÷ county median household income. Required income = (FMR × 12) ÷ 0.3, the federal 30%-of-gross-income rule HUD uses to define cost burden. Median household income is from the U.S. Census Bureau's American Community Survey; FMR is from HUD's FY2026 release. See methodology.

0%100%National avg22%30.3%
Harding County 2-bedroom rent burden
County median income: $41,250 · National avg burden: 21.7% ·View New Mexico rent burden →

Where Harding sits among every US county

2-bedroom Fair Market Rent vs. all 3,145 HUD counties

$1,040 higher than 52% of 3,145 counties

$600–$800: 23 counties (1%). Below this entry. $800–$1,000: 1,406 counties (45%). Below this entry. $1,000–$1,200: 723 counties (23%). This entry sits in this band. $1,200–$1,400: 417 counties (13%). Above this entry. $1,400–$1,600: 181 counties (6%). Above this entry. $1,600–$1,800: 172 counties (5%). Above this entry. $1,800–$2,000: 108 counties (3%). Above this entry. $2,000–$2,200: 29 counties (1%). Above this entry. $2,200–$2,400: 40 counties (1%). Above this entry. $2,400–$2,600: 13 counties (0%). Above this entry. $2,600–$2,800: 9 counties (0%). Above this entry. $2,800–$3,000: 15 counties (0%). Above this entry. $3,000–$3,200: 3 counties (0%). Above this entry. $3,200–$3,400: 1 counties (0%). Above this entry. $3,400–$3,600: 1 counties (0%). Above this entry. $3,600–$3,800: 3 counties (0%). Above this entry. $3,800–$4,000: 0 counties (0%). Above this entry. $4,000–$4,200: 0 counties (0%). Above this entry. $4,200–$4,400: 1 counties (0%). Above this entry. This county $600 $4,400 every US county, bucketed by value

Each bar is a $0.2K-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Department of Housing and Urban Development, Fair Market Rents · FY2026

How Harding compares on 1-bedroom rent

1-bedroom FMR vs other New Mexico counties

1BR FMR / mo

What this shows Harding is highlighted. Nearby New Mexico counties by 1-bedroom FMR, highest to lowest: Santa Fe County ($1,390), Bernalillo County ($1,185), Sandoval County ($1,185), Valencia County ($1,185), Dona Ana County ($951), San Juan County ($885), Harding County (this county) ($853).

Source U.S. Department of Housing and Urban Development (HUD) As of FY2026

Can Common Jobs Afford Rent Here?

How a 1-bedroom at $853/mo compares to New Mexico salaries for popular occupations (BLS wage data, 30%-of-income rule).

Occupation NM Salary Rent Burden Verdict
Software Developers $120,820 8.5% Affordable
General & Operations Managers $100,200 10.2% Affordable
Registered Nurses $88,260 11.6% Affordable
Accountants & Auditors $77,420 13.2% Affordable
Elementary School Teachers $65,510 15.6% Affordable
Police & Sheriff's Patrol Officers $63,340 16.2% Affordable
Electricians $56,890 18% Affordable
Paralegals & Legal Assistants $56,620 18.1% Affordable
Heavy & Tractor-Trailer Truck Drivers $48,360 21.2% Affordable
Pharmacy Technicians $44,970 22.8% Affordable
Customer Service Representatives $38,060 26.9% Affordable
Janitors & Cleaners $33,640 30.4% Stretched
Retail Salespersons $31,360 32.6% Stretched
Teaching Assistants $30,350 33.7% Stretched
Fast Food & Counter Workers $28,650 35.7% Stretched
Salaries: BLS OES (New Mexico) median · 30% = affordable threshold · Try the salary calculator →

Rent Trends (2020–2026)

7-year Fair Market Rent history for Harding County. Shows how HUD rental rates have changed over time.

Over the 6-year span HUD has tracked for Harding (FY 2020-2026), the 1-bedroom Fair Market Rent has risen 51.5% overall, from $563 to $853. The increases have been fairly steady year to year, with no single jump exceeding 11.6% (FY 2026).

$500$600$700$800$900 FY2020FY2021FY2022FY2023FY2024FY2025FY2026 $853
Harding County 1-bedroom Fair Market Rent, FY2020–FY2026
Year Studio 1 BR 2 BR
FY 2026 ↑11.6% $773 $853 $1,040
FY 2025 ↑8.1% $678 $764 $933
FY 2024 ↑11.0% $627 $707 $877
FY 2023 ↑10.0% $582 $637 $795
FY 2022 ↓0.7% $550 $579 $726
FY 2021 ↑3.6% $574 $583 $734
FY 2020 $559 $563 $714
Total change (6yr): +51.5%
Annualized: +7.2%/yr
1 BR: $563 → $853

Where Harding County Ranks in New Mexico

Harding County is not part of any federally-designated metropolitan or micropolitan statistical area -- an independent rental market not administratively tied to a larger urban core. By 2-bedroom FMR, it ranks #18 of 33 counties in New Mexico. Nearest by rank: Roosevelt County ($975), Cibola County ($993), Lincoln County ($999), Sierra County ($1,004), San Miguel County ($1,008), Catron County ($1,040), Harding County (this county) ($1,040), Dona Ana County ($1,042), Grant County ($1,048), Chaves County ($1,071), San Juan County ($1,085), McKinley County ($1,090), Curry County ($1,098).

Roosevelt County
2 BR: $975/mo
Cibola County
2 BR: $993/mo
Lincoln County
2 BR: $999/mo
Sierra County
2 BR: $1,004/mo
San Miguel County
2 BR: $1,008/mo
Catron County
2 BR: $1,040/mo
Harding County (this county)
2 BR: $1,040/mo
Dona Ana County
2 BR: $1,042/mo
Grant County
2 BR: $1,048/mo
Chaves County
2 BR: $1,071/mo
San Juan County
2 BR: $1,085/mo
McKinley County
2 BR: $1,090/mo
Curry County
2 BR: $1,098/mo

Nationwide peers by 2BR FMR & rent burden

Two PlainRent-derived comparison paths for Harding County, both outside New Mexico so the link neighborhoods are not the same-state geography lattice above. Axes stay disjoint: burden peers exclude the FMR peer set.

Similar 2-bedroom FMR

Nearest HUD 2BR Fair Market Rents outside NM (FY2026).

Craighead County
AR · 2 BR $1,040/mo
Rockingham County
NC · 2 BR $1,040/mo
Tyler County
TX · 2 BR $1,040/mo
Peoria County
IL · 2 BR $1,039/mo

Similar rent burden

Nearest 2BR FMR as a share of median household income (outside NM).

Union County
SC · 30.2% of income · 2 BR $1,038/mo
Marin County
CA · 30.3% of income · 2 BR $3,604/mo
Carroll County
GA · 30.2% of income · 2 BR $1,820/mo
Gulf County
FL · 30.3% of income · 2 BR $1,702/mo

Nearby Counties in New Mexico

Largest counties by population in New Mexico

Showing the 8 largest of 32 other counties in New Mexico.

Bernalillo County
1 BR: $1,185/mo Pop: 674,692
Dona Ana County
1 BR: $951/mo Pop: 219,870
Santa Fe County
1 BR: $1,390/mo Pop: 154,481
Sandoval County
1 BR: $1,185/mo Pop: 149,460
San Juan County
1 BR: $885/mo Pop: 121,798
Valencia County
1 BR: $1,185/mo Pop: 76,613
Lea County
1 BR: $1,068/mo Pop: 73,103
McKinley County
1 BR: $894/mo Pop: 72,073
View all counties in New Mexico →

Frequently Asked Questions

What is the average rent in Harding County? ▼
The FY 2026 Fair Market Rent for a 1-bedroom in Harding County is $853 per month. A 2-bedroom is $1,040 and a studio is $773.
How does Harding County rent compare to the national average? ▼
Rent in Harding County is 11% below the national average. A 1-bedroom here costs $853 compared to $959 nationally.
Where does Harding County rank nationally for Fair Market Rent? ▼
According to HUD's FY 2026 Fair Market Rent schedule, Harding County's 2-bedroom FMR of $1,040 ranks #1,510 most expensive among 3,145 HUD counties, placing it in the middle half of HUD counties.
What income do I need to afford rent in Harding County? ▼
Based on the 30% affordability rule, you need an annual income of at least $34,120 ($2,843/month) to afford a 1-bedroom at Fair Market Rent in Harding County.
Is rent going up or down in Harding County? ▼
The 1-bedroom Fair Market Rent in Harding County increased by 11.6% from FY 2025 to FY 2026, going from $764 to $853.
Which jobs can afford rent in Harding County? ▼
Based on New Mexico BLS salary data and the 30% affordability rule, jobs like Software Developers, General and Operations Managers, Registered Nurses can afford a 1-bedroom at $853/mo. 11 of 15 common occupations are affordable here.
How much has rent changed in Harding County over time? ▼
The 1-bedroom Fair Market Rent in Harding County went from $563 in FY 2020 to $853 in FY 2026, a total change of +51.5% over 6 years.
How does Fair Market Rent affect Section 8 vouchers in Harding County? ▼
In Harding County, the FY 2026 FMR of $853/mo for a 1-bedroom sets the baseline that local housing authorities use for Section 8 payment standards.
What does Fair Market Rent mean for Harding County? ▼
For Harding County, it's the specific 40th-percentile rent HUD publishes each year ($853/mo for a 1-bedroom in FY 2026).

Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the U.S. Census Bureau and HUD Fair Market Rents. Consult a qualified professional before making decisions based on this data.

All federal data sources used on this page
  • HUD Fair Market Rents (FMR) - county-level fair-market rent estimates by bedroom count. huduser.gov/datasets/fmr
  • HUD Income Limits - area median income for affordability calculations. huduser.gov/datasets/il
  • HUD Comprehensive Housing Affordability Strategy (CHAS) - rent burden and housing-cost distribution. huduser.gov/datasets/cp
  • U.S. Census Bureau ACS - county and metro housing characteristics + median rent. census.gov/programs-surveys/acs
  • BLS Consumer Price Index, Rent of Primary Residence - rent inflation by metro. bls.gov/cpi
  • IRS Migration Data (SOI) - interstate migration aggregates affecting county demand. irs.gov/statistics/migration
  • BLS Occupational Employment and Wage Statistics - state-level median wages by occupation, used for job affordability analysis. bls.gov/oes

Every figure on PlainRent is rendered directly from HUD's published Fair Market Rent records, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of FY 2026.